---
title: "Pension Access Account — The Capricornian"
description: "Transaction & Savings Accounts from The Capricornian. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/the-capricornian/products/8921bfda-33cd-4dbc-867d-54405ca11e1f
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-23T23:51:04.103603Z
---

# Pension Access Account — The Capricornian

> Transaction & Savings Accounts from The Capricornian. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts · THE CAPRICORNIAN**

The Pension Access Account allows members 65 years and over to manage their finances wisely and enjoy a more comfortable lifestyle.

## At a glance

- **Base rate:** 0.35%

## Apply

Applications are handled by the provider: [Apply at The Capricornian](https://www.capricornian.com.au/about-us/contact-us/)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable (Must be age over 65 and earning a pension to have this account.) | 0.35% | PENSION ACCESS ACCOUNT_Tier_3 | monthly |
| Variable (Must be age over 65 and earning a pension to have this account.) | 0.2% | PENSION ACCESS ACCOUNT_Tier_2 | monthly |
| Variable (Must be age over 65 and earning a pension to have this account.) | 0.1% | PENSION ACCESS ACCOUNT_Tier_1 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Visa Debit Cash Advance — Where credit option is selected for cash/cash and purchase transaction | Withdrawal | $0.70 |
| EFTPOS Including declined transactions | Withdrawal | $0.70 |
| Dishonour Fee — Where there is not enough money in the account to pay a direct debit that the customer has setup. | Dishonour | $15.00 |
| International Transaction Fee Over The Counter — Transaction Fee charged at the result of sending an International Transfer via a staff assisted channel. | Withdrawal | $30.00 |
| International Transaction Fee via Online Banking — Transaction Fee charged at the resulting of sending an International Transfer via Online Banking. | Withdrawal | $20.00 |
| Foreign Currency Conversion Fees — Foreign Currency will be converted to Australian currency at the wholesale market rate by VISA. | Transaction | 3% of transaction |
| Account Service Fee — Charged monthly · Account service fee exempt on first account, $6.00 per month subsequent accounts · Discount −$6.00 — Account service fee exempt on first account (eligibility: Minimum age: Account Service Fee Exemptions on Access Accounts where first account is exempt for eligible members on both Personal Access and Business Access Accounts. $6.00 per month subsequent accounts on Personal Access, $10 per month subsequent on Business Access Accounts. Eligibility criteria applicable on Personal Access Account; Minimum Deposit/Lending balance of $20,000 held within the membership, Members aged 25 years and younger and Members aged 65 years and older. Eligibility criteria applicable on Business Access Accounts; Minimum Deposit/Lending balance of $20,000 held within the membership.) | Ongoing | $6.00 |

## Features

- **Notifications** — Notification via email, SMS or secure message in online banking. (SMS and/or email notifications available)
- **Account sweep available
Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance.**
- **Real-time payments (NPP)** (An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment. Osko by BPAY available)
- **Digital banking** (Access is available to online banking features for the product. Banking app available)
- **PayID** (An account of this product type can be used as the target of an NPP PayID. Osko by BPAY available)
- **Bill payment (BPAY)**
- **Card access** — Visa Debit Card
- **Digital wallet** — Apple Pay
- **Additional cards**
- **Digital wallet** — Google Pay

## Eligibility

- **You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you**
- **Individuals only** (Must receive an aged pension into their Capricornian account or be a self-funded retiree aged over 65 years of age.)
- **Residency status** — Individuals must be citizens or permanent residents of Australia.

## More information from The Capricornian

- [Overview](https://www.capricornian.com.au/banking/pensioner-banking-account/)
- [Terms & conditions](https://www.capricornian.com.au/documents/conditions-of-use/)
- [Eligibility](https://www.capricornian.com.au/about-us/reports-policies-disclosures/target-market-determinations/)
- [Fees & pricing](https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/)

## Data provenance

- Published by The Capricornian under the Consumer Data Right
- Product ID: `8921bfda-33cd-4dbc-867d-54405ca11e1f`
- Last updated by the provider: 23 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/the-capricornian/8921bfda-33cd-4dbc-867d-54405ca11e1f
- Provider page: https://www.cdrcompare.au/brands/the-capricornian
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000183

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/the-capricornian/products/8921bfda-33cd-4dbc-867d-54405ca11e1f) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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